EFTA00614756.pdf

CLIENT GUIDE I Guide to Investing John Hancock 3 Aggressive Growth You want maximum growth over the long run and are comfortable with considerable risk in the short term. JHVIT PORTFOLIO NAME ASSET MANAGEMENT FIRM Emerging Markets Value Real Estate Securities International Small Company Small Cap Opportunities International Equity Index B Small Cap Index Science & Technology Financial Industries International Value American New World American Global Growth Mid Cap Stock American International Small Cap Growth International Core International Growth Stock Fundamental All Cap Core Health Sciences Dimensional Fund Advisors Deutsche Asset Management Dimensional Fund Advisors Invesco Advisers, Inc./Dimensional Fund Advisors SSgA Funds Management, Inc. John Hancock Asset Management T. Rowe Price Associates, Inc./Allianz Global Investors U.S. LLC John Hancock Asset Management Franklin° Templeton° Capital Research and Management Company' Capital Research and Management Company' Wellington Management Company, LLP Capital Research and Management Company' Wellington Management Company, LLP Grantham, Mayo, Van Otterloo & Co. LLC Invesco Advisers, Inc. John Hancock Asset Management T. Rowe Price Associates, Inc. Growth Growth of your money is your main concern, but you prefer to limit your risk somewhat. JHVIT PORTFOLIO NAME ASSET MANAGEMENT FIRM Small Company Value Small Cap Value Mid Cap Index Value American Growth Mid Value Global Blue Chip Growth All Cap Core Fundamental Large Cap Value Total Stock Market Index Capital Appreciation T. Rowe Price Associates, Inc. Wellington Management Company, LLP John Hancock Asset Management Invesco Van Kampen Capital Research and Management Company' T. Rowe Price Associates, Inc. Franklin° Templeton° T. Rowe Price Associates, Inc. QS Investors, LLC John Hancock Asset Management John Hancock Asset Management Jennison Associates LLC EFTA00614756 John Hancock CLIENT GUIDE I Guide to Investing Growth & Income Both growth and security are important to you and you want to pursue both in equal measure. JNVIT PORTFOLIO NAME ASSET MANAGEMENT FIRM Equity-Income Alpha Opportunities Franklin Templeton Founding Allocation U.S. Equity 500 Index B Utilities American Growth-Income Core Strategy American Asset Allocation Capital Appreciation Value PIMCO VIT. All Asset Portfolio T. Rowe Price Associates, Inc. Wellington Management Company, LLP John Hancock Asset Management Grantham, Mayo, Van Otterloo & Co. LLC John Hancock Asset Management MFS Investment Management Capital Research and Management Company' John Hancock Asset Management Capital Research and Management Company' T. Rowe Price Associates, Inc. Pacific Investment Management Company LLC Income You feel a strong need to protect your assets while pursuing a modest level of growth. JHVIT PORTFOLIO NAME ASSET MANAGEMENT FIRM High Yield Global Bond Trust Real Return Bond Strategic Income Opportunities Active Bond Investment Quality Bond Total Return Core Bond Total Bond Market B Bond Short Term Government Income Ultra Short Term Bond Western Asset Management Company Pacific Investment Management Company LLC Pacific Investment Management Company LLC John Hancock Asset Management Declaration Management & Research LLC/John Hancock Asset Management Wellington Management Company, LLP Pacific Investment Management Company LLC Wells Capital Management, Inc. Declaration Management & Research LLC John Hancock Asset Management John Hancock Asset Management John Hancock Asset Management Conservative Security is your greatest concern. You couldn't sleep at night if your portfolio returns fluctuated greatly. JHVIT PORTFOLIO NAME ASSET MANAGEMENT FIRM Money Market B5 John Hancock Asset Management EFTA00614757 Pacific Life VALUE BLEND GROWTH • BlackRock• Basic Value V.I. III Comstock • Large-Cap Value I Rowe Price Equity Income-II Value Advantage American Funds• Growth-Income • Dreyfus VW Appreciation Service Shares • Equity Index • VW Contrafund• Service Class 2 • Lazard Retirement US Strategic Equity • Lord Abbett Series Fund Fundamental Equity VC • Main Street• Core American Funds Growth ClearBridge Variable Aggressive Growth Cl II Dividend Growth • Fidelity VIP Growth Service Class 2 Focused Growth Growth Large-Cap Growth Neuberger Berman MIT Socially Responsive - I Shares T. Rowe Price Blue Chip Growth-II ▪ American Century VP Mid Cap Value II ▪ Mid-Cap Value ClearBridge Variable Mid Cap Core Class II • Fidelity VW Value Strategies Service Class 2 • Mid-Cap Equity • Fidelity VIP Mid Cap Service Class 2 Janus Aspen Enterprise Service Shares • Mid-Cap Growth • Small-Cap Value e Royce Capital Fund - Micro-Cap Service Class • Small-Cap Equity • Small-Cap Index • Lord Abbett Series Fund Developing Growth VC • MFS V1T New Discovery Series Service Class ASSET ALLOCATION STRATEGIC ASSET ALLOCATION TACTICAL ASSET ALLOCATION _A Fidelity VIP Freedom 2010 Service Class 2 Fidelity VIP Freedom Income Seivice Class 2 Ainei.can Funds Asset Allocation Fidelity VIP Freedom 2015 Service Class 2 Pacific Dynamix - Conservative Growth BlackRock Global Allocation V.I. III Fidelity VIP Freedom 2020 Service Class 2 Pacific Dynamix - Moderate Growth GE Investments Total Return Fund Class 3 Fidelity VIP Freedom 2025 Service Class 2 Pacific Dynamix - Growth Lazard Retirement Global Dynamic Multi Asset Fidelity VIP Freedom 2030 Service Class 2 Portfolio Optimization Conservative PIMCOVIT Global Multi-Asset Managed Allocation - Fidelity VIP Freedom 2035 Service Class 2 Portfolio Optimization Moderate-Conservative Advisor Class Fidelity VIP Freedom 2045 Service Class 2 Portfolio Optimization Moderate Portfolio Optimization Growth Portfolio Optimization Aggressive-Growth FIXED INCOMi • Fidelity VIP Money Market Service Class Diversified Bond Floating Rate Income Floating Rate Loan High Yield Bond Inflation Managed Inflation Strategy Lord Abbett Series Fund Bond Debenture 11C Lord Abbett Series Fund Total Return VC Managed Bond Short Duration Bond • Health Sciences ▪ MFS VIT Utilities Series Service Class ▪ Real Estate ▪ Technology INEIGING MARKETS/INTERNATIONAL • Emerging Markets • Emerging Markets Debt • International Large-Cap • International Small-Cap • International Value • Invesco VJ. International Growth II • Janus Aspen Overseas Service Shares • Oppenheimer Global FundNA Service Shares • Templeton Foreign VIP Class 2 • Templeton Global Bond VIP Class 2 • Currency Strategies • Global Absolute Return • Long/Short Large-Cap • Precious Metals • Van Eck VIP Global Hard Assets Initial Class Threament styles and categories bastion hlominantar Direct as 112/31/13. knots-trent options current as 15.1.14. EFTA00614758 PHILADELPHIA FINANCIAL Insurance Dedicated Mutual Funds Insurance dedicated mutual funds are available only through the purchase of variable annuity contracts or variable life insurance policies offered by life insurance companies. Insurance dedicated mutual funds do not offer their shares to the public. Please contact Philadelphia Financial for additional information about these finds. BlackRock Investments, LLC A Prospectus or a Fact Sheet for the following portfolios of the BlackRock Variable Series Funds, Inc. are available upon request. Perfortnana information is updated on a quarterly basis. BlackRock Basic Value V.I. Fund BlackRock Capital Appreciation V.I. Fund BlackRock Global Allocation V.I. Fund BlackRock Global Opportunities V.I. Fund BlackRock High Yield V.I. Fund BlackRock International Value V.I. Fund BlackRock Large Cap Core V.I. Fund BlackRock Large Cap Growth V.I. Fund BlackRock Large Cap Value V.I. Fund BlackRock Managed Volatility V.I. Fund BlackRock S&P 500 Index V.I. Fund BlackRock Total Return V.I. Fund BlackRock U.S. Government Bond V.I. Fund BlackRock Value Opportunities V.I. Fund Dimensional Fund Advisors* A Prospectus for the following portfolios of DFA Investment Dimensions Group Inc. is available upon request. The prospectus is updated on an annual basis. VA Global Bond Portfolio VA Global Moderate Allocation Portfolio VA International Small Portfolio VA International Value Portfolio VA Short-Term Fixed Portfolio VA U.S. Large Value Portfolio VA U.S. Targeted Value Portfolio *Financial Advisors new to Dimensional Fund Advisors require prior approval by Dimensional Fund Advisors ENDURING BY NATURE. Custom by design. One Lberly Place 1 1650 Market Street. Sr Floor I PP.leclelpela. PA 19103 I I 800 73h 3280 I wwte phillbtIONafOnanOat corn EFTA00614759 PHILADELPHIA FINANCIAL Insurance Dedicated Mutual Funds Dreyfus In vestment Portfolios A prospectus for the following portfolios and funds is available upon req . The prospectus is updated on an annual basis Dreyfus Stock Index Fund Portfolio Dreyfus Variable Investment Fund Appreciation Portfolio Dreyfus Variable Investment Fund Growth and Income Portfolio Dreyfus Variable Investment Fund International Value Portfolio Dreyfus Variable Investment Fund Money Market Portfolio Dreyfus Variable Investment Fund Quality Bond Portfolio The Vanguard Group, Inc. A Prospectus or a Fact Sheet for the following portfolios of the Vanguard Insurance Fund are available upon request. The prospectus is updated on an annual basis. Balanced Portfolio Diversified Value Portfolio Equity Income Portfolio Equity Index Portfolio Growth Portfolio High Yield Bond Portfolio International Portfolio Mid-Cap Index Portfolio Money Market Portfolio • REIT Index Portfolio Short-Term Investment Grade Portfolio Small Company Growth Portfolio Total Bond Market Index Portfolio ENDURING BY NATURE. Custom by design. One Leterty Place 1 1650 Market Street. 54 Floor I Phtlaclelphia. PA 19103 1 I 800 y06. 3380 I were, preladelP0talegleetat eeen EFTA00614760 Prudential INVESTMENT OPTIONS MAGNASTAR SPECIALTY PORTFOLIOS 'AST- COHEN & STEERS REALTY PORTFOLIO .ASP•• T. ROWE PRICE NATURAL RESOURCES PORTFOLIO • PSF NATURAL RESOURCES INTERNATIONAL EQUITY PORTFOLIOS • JANUS ASPEN OVERSEAS M INTERNATIONAL EQUITY FUND PSF GLOBAL PSF SP INTERNATIONAL VALUE T. ROV/E PRICE INTERNATIONAL STOCK PORTFOLIO SMALL/MID-CAP GROWTH PORTFOLIOS .ASP•• SMALL-CAP GROWTH PORTFOLIO DREYFUS MIDCAP STOCK PORTFOLIO GOLDMAN SACHS VIT SMALL CAP EQUITY INSIGHTS M CAPITAL APPRECIATION FUND PSF SP PRUDENTIAL U.S. EMERGING GROWTH SMALL-CAP BLEND PORTFOLIOS r DEUTSCHE SMALL CAP INDEX VIP PSF SMALL CAPITALIZATION STOCK SMALUMID-CAP VALUE PORTFOLIOS 'ASP" SMALL-CAP VALUE PORTFOLIO PSF SP SMALL CAP VALUE LARGE-CAP GROWTH PORTFOLIOS .ASP•• LOOMIS SAYLES LARGE-CAP GROWTH PORTFOLIO .ASP•• T. ROWE PRICE LARGE-CAP GROWTH PORTFOLIO M LARGE CAP GROWTH FUND PSF JENNISON PSF JENNISON 20/20 FOCUS PSF STOCK INDEX LARGE-CAP VALUE PORTFOLIOS • AMERICAN CENTURY INVESTMENTS VP VALUE • AST••• LARGE-CAP VALUE PORTFOLIO • M LARGE CAP VALUE FUND • PSF VALUE • PSF EQUITY BALANCED PORTFOLIOS • AST••• PRESERVATION ASSET ALLOCATION PORTFOLIO • PSF CONSERVATIVE BALANCED • PSF FLEXIBLE MANAGED FIXED-INCOME PORTFOLIOS F AST••• PIMCO LIMITED MATURITY BOND PORTFOLIO AST••• BLACKROCK/LOOMIS SAYLES BOND PORTFOLIO r PIMCO VIT REAL RETURN PORTFOLIO PSF DIVERSIFIED BOND r PSF GOVERNMENT INCOME PSF HIGH YIELD BOND ASSET ALLOCATION PORTFOLIO • PIMCO VIT ALL ASSET PORTFOLIO MONEY MARKET PORTFOLIO PSF MONEY MARKET FIXED-RATE OPTION r FIXED-RATE OPTION (3% MINIMUM GUARANTEE) '""AST" refers to Advanced Series Trust funds. Magnastar offers variable investment options that invest in funds offered through the Advanced Series Trust. These variable investment options have the prefix "AST." The AST variable investment options are also available in variable annuity ccntractswe otter. Some of these variable annuitycontracts otter optional living benefits that utilize a predetermined mathematical formula (the 'formula') to manage the guarantees offered in connection \Nit those optional benefits. Clients should be aware that the operation of the formula in those variable annuity contracts may result in large-scale asset flows into and out of the underlying funds through a series of transfers. In addition to increasing the funds' expenses, the asset flows may adversely affect performance by (i) requiring the funds to purchase or sell securities at inopportune times; (ii) otherwise limiting the subadvisor's ability to fully implement the funds' investment strategies; or (iii) requiring the funds to hold a larger portion of their assets in highly liquid securities than they otherwise would hold. Before clients allocate to these variable investment options. they should consider the impact the formula will have on each fund's risk profile. expenses. and performance. There is no guarantee that dollar cost averaging will ensure a profit or protect your policy against loss in declining markets. Such a plan involves a continuous investment in securities regardless of the fluctuating price levels of such securities. Before investing, clients should consider their financial ability to continue purchases through periods of low price levels. Like most variable life insurance policies. Magnastar contains exclusions. limitations. reductions of benefits. and terms for keeping them in force. Magnastar is a private placement variable life policy issued by Pruco Life Insurance Company, located at 213 Washington Street. Newark. NJ 07102-3777 and distributed by Pruco Securities. LLC. 751 Broad Street. Newark. NJ 07102-3777. Both are Prudential Financial companies. Each company is solely responsible for its respective financial condition and contractual obligations. Investors should consider the investment objectives. risks. and charges and expenses carefully before investing in the contract, and/or underlying portfolios. The prospectus. and, it available. the summary prospectus. contain this information as well as other important information. A copy of the Magnastar Registered Fund prospectus can be obtained from the Magnastar Service Team at M Financial at (800)656-6960. Your clients should read the prospectus(es) carefully before investing. Remind clients that it is possible to lose money by investing in securities. This marketing material includes an expiration date and use of this material must be discontinued as of the expiration date. NOT FOR CONSUMER USE. 0159064-0002000 EFTA00614761 Zurich Private Placement Life Insurance Registered Insurance Dedicated Funds (IDF) Deutsche Investment Management Americas Inc. Deutsche Bond VIP Deutsche Capital Growth VIP Deutsche Global Small Cap Growth VIP Deutsche Core Equity VIP Deutsche International VIP Deutsche Global Income Builder VIP Deutsche Small Mid Cap Value VIP Deutsche Government & Agency Securities VIP Deutsche Money Market VIP Dimensional Fund Advisors LP DFA VA U.S. Targeted Value Portfolio DFA VA U.S. Large Value Portfolio DFA VA International Value Portfolio DFA VA International Small Portfolio DFA VA Short-Term Fixed Portfolio DFA Global Bond Portfolio 1. SALT Multi-Series Fund, L.P. 2. Not available in New York. 3. For sales in New York, maximum allocation restrictions may apply. Please see memorandum. 4. Approval by fund manager required prior to investment. 5. A Series of Spearhead Insurance Solutions IDF, LLC. 6. A Series of Taylor Investment Advisor, LP. Zurich American Life Insurance Company of New York Zurich American Life Insurance Company Administrative Office: 7045 College Boulevard, Overland Park, Kansas 66211-1523, 877-678-7534 In New York, the terms and conditions for the individual flexible premium variable annuity contract are set forth in contract form number PPVA12-01. The contract is issued by Zurich American Life Insurance Company of New York, a New York domestic life insurance company located at its registered home address of One Liberty Plaza, 165 Broadway, New York, NY 10006. It is subject to the laws of the state of New York. In all states other than New York, the terms and conditions for the individual flexible premium variable annuity contract are set forth in contract form number ICC12-PPVA-01 or applicable state variation. The terms and conditions for the individual flexible premium individual universal life policy are set forth in policy form number ICCI12-121PPVUL-01 or applicable state variation. The contract is issued by Zurich American Life Insurance Company, an Illinois domestic life insurance company, located at its registered home address of 1400 American Lane, Schaumburg, IL 60196. The contracts and policies are subject to the laws of the state where they are issued. This material is a summary of the product features only. Please read the contract or policy carefully for details. Certain coverages may not be available in all states; contract and policy provisions may vary by state. Securities are distributed by one or more registered broker-dealers. This fact sheet, and the information and materials included herein, have been prepared solely for informational purposes, and are neither an offer to sell, nor a solicitation of an offer to purchase. O2015 Zurich American Life Insurance Company Al -112003227-F (02/15) 15-0016 112004679 ZURICH EFTA00614762